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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help! What do I do?


Guest ArthurP
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Guest ArthurP

Hello all. New here but need some urgent advice.

 

I lost my job last month and have been unemployed for 6 weeks.

I got in touch with my creditors who have all been fine and have accepted token payments until I get back on my feet.

 

All but one-Egg credit card!:x

 

I owe £7k but couldn't pay the minimum amount so offered £5 a month.

 

They didn't reply to my offer and sent me a Default Notice and that I had to pay £272.39 payable by the 2 April 2007. (And warning me that after 28 days they will register a default).

 

On the 19th April 2007 I received a letter which terminated my account.

 

Just now, 25th April, I received a phone call from a chap who said he was calling from Cap Quest and asked for my details.

 

I asked who Cap Quest were as I have never heard of them and he wouldn't say other than 'give me your details then we can discuss.'

 

I refused so he hung up.

 

I just googled Cap Quest and they are a DCA.

I gather they are being instructed by Egg to recover this debt.

 

I informed all my creditors that I was due to start work on the 1st June as a Domestic Energy Assessor producing the new Energy Certificates for homes being sold and now I won't be able to be licenced because I have a default against my name!

 

Egg knew this was only short term-no more than 3 months-but they still went ahead and did this. :x

 

Can I do anything?

 

Can I challenge the default as the £7k is made up of late payment charges, overlimit charges and non-DD charges?

 

Isn't the default then inaccurate?

 

Thanks for all who can help.

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Hi Arthur, Egg sold my alleged debt with them to Capquest, I managed to negotiate a token payment with CQ of £1 per month...to be reviewed in 2048! I hadn't found CAG then, but I've learnt a lot since I have. I've now sent a SAR to Egg to help me find all illegal charges, and find out what info they do have on me. I 'm holding back on sending a CCA to CQ till I get my SAR stuff from Egg.....basically I'm a bit scared of rocking the boat with CQ till I have some ammunition.

 

1. Send a CCA request to CQ.

2. Send a SAR to Egg

 

I would have done this much sooner....if only I'd known.

 

Good luck.

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Guest ArthurP

Thanks zimmie.

 

But how will this cca and sar request help at all.

 

What does it do? Just buy time?

 

I'm unfamiliar with things like this.

 

Cheers

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Hello There Arther I Just Read The Thread.....i Don`t Know If You Have Tried,but I Think Its Worth You Going On To The Chat Room,[cag..chat Room]which Can Be Located At The Top Of This Page.....you Should Get The Advice You Seek There Bud.....all The Best..

Dean..

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Sorry Arthur, I didn't really make myself clear....

 

CCA is a request for a copy of your original credit agreement...send it to Capquest...it basically requires a debt collection agency (Capquest) to prove that they are legally entitled to pursue the alleged debt.

 

SAR this is a request under the Data Protection Act 1998 for all information held about an account you may have had. It will help you identify if you have had illegal charges placed on your account. If there are any illegal charges you can claim them back...maybe significanlty reducing an alleged debt.

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This is the letter I used for the CCA request:

 

I am presently striving to organise my personal information and can find no reference to the alleged debt and/or agreement on the debt you appear to have been sold. I do not acknowledge any debt to your company or its associates.

 

Therefore, please supply me with a true copy of the original agreement and find enclosed a cheque for the statutory fee of £1, this fee is NOT TO BE offset against any alleged debt and must be used for the purpose stated.

 

You will appreciate that this is my right and your legal obligation under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974.

 

I also understand that it is your obligation to provide me with a statement of account and I look forward to receiving that as well.

 

Please also supply a signed true copy of the deed of assignment of the above referenced agreement.

 

Again, this is you will appreciate a statutory obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974.

 

I look forward to hearing from you within the statutory time limit.

 

Yours faithfully,

This is the letter I used for the SAR

SUBJECT ACCESS REQUEST UNDER THE DATA PROTECTION ACT 1998

Dear Sir/Madam,

ACCOUNT NUMBER:

 

 

Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.

 

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

I await your response.

Yours faithfully,

 

 

Hope this helps Arthur

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Guest ArthurP

Thanks zimmie that's a great help.

 

I wonder, if my default is for £7k but, say, 500 quid of that is of charges, is the default valid?

 

Thanks again for your help.

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